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电子商务给消费者带来便利的同时,又不可避免的使消费者权益保护工作面临着许多新问题.通过法律构建可靠的电子商务运营环境,树立消费者的信心,这已成为各国立法者的共识.我国应当参照国际立法经验尽快完善相关法律制度,加强对网络消费者的权益保护. 相似文献
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电子商务给消费者带来便利的同时,又不可避免的使消费者权益保护工作面临着许多新问题。通过法律构建可靠的电子商务运营环境,树立消费者的信心,这已成为各国立法者的共识。我国应当参照国际立法经验尽快完善相关法律制度,加强对网络消费者的权益保护。 相似文献
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电子商务给消费者带来便利的同时,又不可避免的使消费者权益保护工作面临着许多新问题。通过法律构建可靠的电子商务运营环境,树立消费者的信心,这已成为各国立法者的共识。我国应当参照国际立法经验尽快完善相关法律制度,加强对网络消费者的权益保护。 相似文献
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金融自由化和金融全球化的潮流正向全球发展,人们在享受金融开放程度提高带来的弥补资本短缺、获得技术外溢和制度的进步好处的同时,也遭受了金融危机、GDP锐减、社会动荡的损失,使其对金融开放产生了一定的怀疑。本文主要通过对中外Chinn-Ito指标、对外金融资产负债总额/GDP和对外金融净资产/GDP指标的比较,分析出当前中国金融开放度与国际的差别,并就此现状展望了中国未来金融开放的选择。 相似文献
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吴敏 《环球市场信息导报》2014,(11):31-32
2008年的次贷危机使得金融消费者保护得到了人们的重视,该文将金融消费者保护聚焦于需求方,发现提高消费者的金融素养能够有效保护其合法权益,这就需要政府加强金融教育。该文借鉴发达国家在此方面的经验,结合我国基本国情,提出了改善我国金融教育现状的具体措施。 相似文献
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我国金融业从行政转向市场只有短短的20多年,随着金融业的开放与发展,金融经营者与消费者之间的纠纷正在逐渐增多,我国对金融消费者的保护凸显不足,保护制度不健全,法律缺失,金融消费者的知情权、选择权、公平交易权、隐私权、受教育权、赔偿权等屡受侵害。借鉴国外保护金融消费者的成熟经验,立足我国实际,对我国金融消费者应采取横向立法规制和多元化的保护机制。 相似文献
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我国的经济体制改革在逐步的深化,市场经济环境也发生了较大的改变,尤其是金融消费方面,消费者的意识以及观念都与过去大不相同,权利意识在不断的增强。文章便针对当前我国金融行业中,有关侵权问题进行了分析,并从消费者权益的角度上分析侵害引发因素,并再次寄出上提出了相关建议,用以提高金融消费者的权益保护质量。 相似文献
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随着金融业的快速发展,金融消费日益渗透到人们的日常生活领域,随之而来的是各类金融消费纠纷也呈逐步增多趋势。为有效保护金融消费者合法权益,美国、英国、澳大利亚、日本以及我国台湾地区和香港特别行政区等金融发达国家和地区都构建了多元化的金融消费投诉处理机制,为我们提供了有益借鉴。完善我国金融消费投诉处理机制的政策建议(一)构建完善的金融消费者保护法律体系。结合我国立法程序和现实状况,近期来看。 相似文献
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Kutlu Ergün 《International Journal of Consumer Studies》2018,42(1):2-15
This study analysed the level of financial literacy among university students in Estonia, Germany, Italy, Netherlands, Poland, Romania, Russian Federation and Turkey. The purpose of the study was to determine the level of financial literacy among university students, and to find out the relationship between financial knowledge and demographic characteristics of students. Online survey instrument was used to collect data. 409 fully completed questionnaires were accepted for analysis. Logistic regression was used to analyse of impact of the demographic characteristics on financial literacy. Overall mean of correct answers for the survey was 72.2%. This result represents a medium level of financial literacy about personal finance. Results indicate that male students, business major students, PhD students, those who live in a rental house, those whose parents have high level income, those who get advice on financial matters from their friends, those who took financial course before, those who get financial information about financial issues from university education, and students from Poland are more knowledgeable on personal finance. More financial courses should be provided in university education programmes, which could help more students handle their finances better and improve their financial wellbeing. It should be taken into consideration that in recent years, environmental and technological influences on financial literacy may be more important than parental influence. 相似文献
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Jason West 《International Journal of Consumer Studies》2012,36(5):523-530
The growth of products available in the consumer financial market has provided more choice and formal control over household financial decisions than ever before. Financial literacy education programs are generally assumed to improve consumer behaviour in relation to financial products and services. However, there is scant evidence that demonstrates the causal link between education, literacy and behaviour. Through the use of a sample study, we show that the actions of individuals who are financially literate do not necessarily mean they will demonstrate good financial behaviour. We propose that in order to improve the financial behaviour of consumers, two critical areas need to be addressed. Firstly, the objectives of financial literacy programs should be not only to educate consumers about financial markets and products but highlight to individuals the psychological biases and limitations that they as humans cannot easily avoid. Secondly, the regulation of financial products sold to consumers needs alteration to meet the aim of protecting retail consumers from complex financial products that are confusing, ambiguous and inappropriate. We propose regulation and redesign of product information offerings using techniques employed in ecological interface design models to derive a suitability test for consumer financial products. 相似文献
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Marguerite DeLiema Yiting Li Gary Mottola 《International Journal of Consumer Studies》2023,47(3):1042-1059
Consumer fraud reports in North America have been increasing each year along with median fraud losses. Using survey data from 1375 American and Canadian consumers who previously reported a scam to a North American consumer complaint organization, this study examines the correlates of responding to and losing money to four categories of consumer fraud: opportunity-based scams, threat-based scams, consumer purchase scams, and phishing scams. Relative to opportunity-based scams that offer the promise of rewards, consumers were less likely to respond to and report losing money when solicited by threat-based scams and phishing scams. The odds of victimization were highest for consumer purchase scams. Risk factors, including gender, race, education, income, loneliness, financial fragility, and financial literacy, differed across scam categories, suggesting that victim profiles differ across fraud types. Some of the risk factors associated with responding to the scam solicitation (vs. ignoring it outright) were different from risk factors associated with victimization. Having advance knowledge of fraud prior to being exposed was protective across nearly all scam types. Results suggest that awareness about specific scams helps protect against financial loss. Additional research is needed on how to effectively deliver fraud awareness messages to those who are most susceptible. 相似文献
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This research seeks to identify gaps in financial knowledge and behaviors between immigrants to Canada and individuals who are born in Canada. The research aims to evaluate to what extent immigrants involve themselves in financial planning and avoid harmful financial behaviors. Employing the Canadian Financial Capability Survey (2009), the findings of the study suggest that immigrants are less likely to show high levels of financial knowledge compared to born citizens. The knowledge gap between immigrants and born citizens narrows as an individual resides longer in Canada. In addition, immigrants are less likely to prepare themselves financially for their retirement or to have long-term investments. The findings provide a basis for addressing the implications of weak financial knowledge. 相似文献
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Given the paucity of comprehensive summaries in the extant literature, this systematic review, coupled with bibliometric analysis, endeavours to take a meticulous approach intended at presenting quantitative and qualitative knowledge on the ever‐emerging subject of financial literacy. The study comprises a review of 502 articles ‐ published in peer‐reviewed journals from 2000 to 2019. Citation network, page‐rank analysis, co‐citation analysis, content analysis and publication trends have been employed to identify influential work, delineate the intellectual structure of the field and identify gaps. The most prominent journals, authors, countries, articles and themes have been identified using bibliometric analysis, followed by a comprehensive analysis of the content of 107 papers in the identified clusters. The three major themes enumerated are—levels of financial literacy amongst distinct cohorts, the influence that financial literacy exerts on financial planning and behaviour, and the impact of financial education. Additionally, content analysis of 175 papers has been conducted for the last four years’ articles that were not covered in the co‐citation analysis. Emerging themes identified include financial capability, financial inclusion, gender gap, tax & insurance literacy, and digital financial education. A conceptual framework has been modelled portraying the complete picture, following which potential areas of research have been suggested. This study will help policy‐makers, regulators and academic researchers know the nuts and bolts of financial literacy, and identify the relevant areas that need investigation. 相似文献
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A perennial issue in transformative consumer research and public policy is the plight of low‐literate vulnerable consumers. Low‐literate consumers have been observed misinterpreting labels, misusing products and purchasing the wrong item, which leads to devastating outcomes as they continue to make poor decisions out of ignorance. Based on a thorough review of past studies on consumer literacy and vulnerability, we explore how stigma and attribution operate as underlying mechanisms for influencing how low‐literate consumers behave in the marketplace. This paper problematises blanket statements that all low‐literate consumers are vulnerable and addresses the possibility that universal policy actions may inadvertently create further marginalization for those it is meant to protect. Our paper contributes by introducing a new typology of low‐literate consumer vulnerability to challenge conventional understandings of who the vulnerable consumers are in relation to their literacy level and actual marketplace behaviour. From a policy standpoint, the insights gained from our review speak to the need for differentiating low‐literate consumers in terms of their status of vulnerability, which inform public policy initiatives and effective consumer education for their empowerment and protection. 相似文献
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《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2017,45(4):406-421
Using data from the 2012 Health and Retirement Study, this study examined whether gender was associated with risk bearing in portfolio choices among single workers nearing retirement. Also, the study investigated how human capital was associated with the worker's allocation of risk‐bearing assets by gender. The results of logistic regression revealed that while gender was statistically significant, education level was also a significant predictor of holding risky assets. Since differences in human capital explained the difference in portfolio choices for male and female workers, financial educators should consider this finding as they attempt to help the least financially savvy populations with financial education programs. 相似文献
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Mohamad Fazli Sabri Maurice MacDonald Tahira K. Hira Jariah Masud 《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2010,38(4):455-467
The purpose of this study was to investigate the impact of personal and family background, academic ability, and childhood consumer experiences on the financial literacy of college students in Malaysia. The sample comprised 2,519 students in 11 public and private colleges in Malaysia. Financial literacy was measured with a 25‐item test of financial knowledge. On average, students answered less than half of the questions correctly. Methods of analysis included bivariate t tests, analysis of variance, and multiple regression analysis. The childhood consumer experience of discussing family finances with parents has a substantial positive relationship with financial literacy. Students of Chinese ethnicity, who live on campus, and who attend private colleges are less likely to be financially literate. 相似文献
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This paper explores a consumer complaint programme as a tool for empowering consumers, using the consumer complaint programme of a United States federal agency as a case study. After describing the structure and role of the Federal Reserve System (the central bank of the United States) in handling complaints, the paper follows a complaint through the System, looks at trends in complaints and provides a profile of consumers who complain. The paper concludes with information on the economic impact of complaint resolution and consumer satisfaction with third‐party complaint investigation. 相似文献
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金融产品和服务具有专业化、技术化的特性,面对由金融精英组成的金融产品和服务的提供者,金融消费者相对而言不一定具备金融专业知识,信息不对称的弱势地位显而易见。农村金融消费者由于文化素质低,金融知识缺乏,加之弱势群体的心里劣势,消费者权益更容易受到侵害。侵害消费者的行为不仅损害了农民的利益,也损害了公众对金融体系的信心,影响金融行业的健康发展。针对农村消费者保护不力的状况,需要从增强农村金融供给、提高消费者文化素质和维权意识,加强金融机构的服务意识以及加强金融监管等多方面着手。 相似文献